1, the definition of different
Financial leasing refers to the lessor according to the lessee's specific requirements for the leased object and the choice of the supplier, capital to the supplier to buy the leased object, and leased to the lessee to use the lessee, the lessee pays the rent in installments to the lessor, in the period of the lease the ownership of the leased object belongs to the lessor, the lessee has the right to use the leased object.
Financial leasing is based on the request of the lessee by the lessor, according to the two sides of the prior contract, the seller designated by the lessee, the purchase of fixed assets designated by the lessee, in the lessor has the ownership of the fixed assets under the premise of the lessee pays all the rent as a condition of a period of time of the fixed assets of the right of possession, use and income transferred to the lessee.
2, different regulatory management
Financial leasing company regulatory authorities in accordance with the lender supervision. The leasing company carries out business activities within the credit scale approved by the regulator. Changes in leasing assets are reported daily. The regulator has reliable monitoring of the bank accounts of leasing companies.
Financial leasing company regulators regulate the leasing company's business behavior in accordance with not being allowed to start financial business Without the approval of the relevant departments, financial leasing enterprises are not allowed to engage in interbank lending and other businesses. Strictly prohibit financial leasing enterprises to carry out illegal fund-raising activities in the name of financial leasing." The regulatory authorities do not have a timely and accurate grasp of the actual status of the leasing company's assets and the flow of funds. The leasing company carries out business activities within the scope of credit approved by the financial institution.
3. Different degrees of opening up to the outside world
Financial leasing companies currently have no foreign-funded enterprises or financial institutions with shares. Financial leasing companies from the day of the introduction of China allows foreign investors to set up non-financial institutions, joint ventures or wholly-owned financial leasing companies.
Reference: Baidu Encyclopedia-Financial Leasing
Reference: Baidu Encyclopedia-Financial Leasing